Don’t stint on cover

As with standard household insurance, unoccupied cover is split into two parts.

Buildings insurance protects the bricks and mortar of your property, and permanent fixtures and fittings such as your bathroom facilities and fitted kitchen.

Contents insurance covers everything you would take with you if you move home. If you have moved out all your belongings, you may be able to do without contents cover.

Read the small print

You may be able to get cheaper premiums if you have installed security measures such as a burglar alarm, to deter thieves.

You must comply with all the policy small print, such as fitting the right door and window locks. Otherwise, if you do have to make a claim, your insurance company is within its rights to refuse to pay out.

A house is still a home, even if it stands empty. Make sure yours is properly protected.

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